Understanding Baggage Delay & Baggage Loss Coverage In Travel Insurance

When you travel, one of your primary concerns likely centres on the possibility that your luggage will be misplaced or that it will arrive at your destination later than expected. This could derail an entire trip, not to mention increase expenses to make up for the missing belongings. So it becomes essential, especially on international trips, to get a robust travel insurance that has a substantial cover for lost, misplaced and damaged baggage.

How do the coverage for baggage delay and coverage for baggage loss work?

Because your baggage must frequently be transported on a separate flight that takes a more circuitous route to reach its destination, there is a greater chance that it will arrive late or may even go missing. In situations like these, selecting a good travel insurance online can be of great assistance in easing your concerns.

You may have peace of mind knowing that you will receive the necessary assistance on time thanks to the baggage delay and lost baggage covers included in your travel insurance policy.

What is Baggage delay?

If your checked-in baggage, which may contain personal belongings such as clothing, toiletries, and other necessities that you use during your trip, is delayed, your travel insurance policy may reimburse you for the cost of those belongings.

The prerequisites for the claim 

You have the right to make this claim if a common carrier delays the delivery of your baggage for a period of time that is longer than the one that is specified in the baggage insurance policy. The duration starts being counted from the time you arrive at your destination until the time you leave that location.

What are the restrictions that apply? 

You might submit a claim for baggage delay cover sometimes, but then you might find out later that the baggage was actually lost. This can be frustrating. In these circumstances, a deduction will be made from the total amount claimed and paid to you under the baggage insurance policy, which includes any compensation made by the airline.

What exactly is meant by the term ‘lost baggage’?

You will be compensated, in accordance with the terms of the baggage insurance cover, for the irretrievable loss of an entire piece of checked-in baggage that was stored in the aeroplane or train on which you were travelling. To accomplish this, you will need to have the personnel from the railway or airline verify all of your claims.

The prerequisites for the claim 

You are eligible to file a claim under this section if you are a ticketed passenger and your baggage has been lost, stolen, or misdirected by the flight it was supposed to come on, or if it has not been delivered to the final destination for any other reason. The benefit will only be paid out in the event that your entire bag is misplaced; it will not be paid out for the loss of individual items or for any damage to your luggage.

We hope you have gained an idea about baggage claim procedures and the scope and limitations of travel insurances in this regard. Now you can choose wisely and travel happily!

What are the limitations?

If you have already been compensated for a certain amount by the common carrier, then the travel insurance covers only the remaining amount. For example, if the value of the baggage that was lost was up to a maximum of Rs. 5,000 and your airline or the railway authority paid a total of Rs. 2,000, the insurance company will only pay the remaining amount of Rs. 3,000 and not the full value of the bag. *

* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

# Visit the official website of IRDAI for further details.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

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